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Seasonal Outbreak Insurance – Is It the Next Big Thing?

On a busy July morning in Mumbai, Smita had to take a day off to rush her son to the hospital for a persistent fever. The hospital’s paediatric waiting room was overflowing with anxious families. Everyone, from kids to adults, faces this health scare specifically during June to September every year, with vector-borne illnesses like chikungunya, dengue, and water-borne illnesses increasing. This seasonal outbreak has a huge impact on both health and finances. Last year’s Policybazaar study reveals that one-third of health insurance claims (33% to 40%) in metro cities like Mumbai come from seasonal outbreaks of illnesses like malaria, dengue, and gastroenteritis, with treatment costs ranging from INR 50,000 to INR 1,50,000. Vector-borne illnesses are surging year on year during the rainy season. In 2025, India reported over 13,052 dengue cases and 19 deaths by the end of July. South states like Kerala and Tamil Nadu have recorded the highest number of cases. With healthcare costs rising, health insurance claim payouts are also projected to rise by 30% growing from INR 62,014 in FY 23 to INR 81,025 by FY 25. This is why seasonal outbreak insurance is gaining traction over the years.

Health

The Role of Telemedicine in Faster Claim Settlements

Saumya Sharan, a 42-year-old bank employee posted in Agra, Uttar Pradesh, had purchased a robust medical insurance that included telemedicine. A few years later, during a teleconsultation, he was diagnosed with a minor stomach issue that required instant treatment. Thanks to his insurer, which allowed teleconsultation and telemedicine, his reports and prescriptions were digitally uploaded for the insurer to verify and approve the claim quickly. Saumya’s claims were approved, and he could get timely treatment without any financial burden. In Saumya’s case, his claims were approved without the need for tedious paperwork and a lengthy verification process. This is what telemedicine does: It ensures faster claim settlement. Health insurance has become a necessity in today’s time, and while most of us have a reliable policy in place, a quick claim settlement is what we all hope for. Enters telemedicine: A powerful tool that facilitates claim settlement. Let’s understand how.

Term

The Connection Between Career Risks and Term Insurance Rates

Ever since Sudheer Sisodiya was young, he liked to play it safe. For most of his life, he had a steady job, steady plans. However, his 9-5 desk job took a turn when he was posted to an offshore oil rig. While it was thrilling, it did come with a surprise. When he applied for term insurance, he realised he would have to pay a much higher premium. That’s when he realised that your job can affect more than your schedule. It can change your insurance rates, too. Now, let's understand how job risks and insurance rates are interconnected.

Health

How can Preventive Health Check-Ups Help in Reducing Long-Term Medical Costs?

Every Sunday morning, Bengaluru neighbours, Kartik Naagar and Vinod Sharma, went together for their morning walk. Both were 42, even IT professionals in the same company. Kartik and Vinod's lives seemed identical from the outside: the same company, two kids, managing home and juggling deadlines. However, a closer look revealed that their everyday health choices were quite different from each other. Kartik believed that as long as he felt fine, there was little need for preventive health check ups. He often relied on quick remedies, such as painkillers, whenever he experienced discomfort. Unfortunately, this approach led to a major health episode last year, when severe chest pain was diagnosed as advanced heart disease. The treatment required not only significant medical expenses but also long-term medication. Vinod, on the other hand, uses his free annual health checkups provided by his company. When he found high cholesterol in his last report, he made suitable changes in his diet, lifestyle, and joined yoga sessions. Result? Early detection of the health problem leads to immediate care and better health and well-being at a much affordable price. Two individuals, same gender, same age, but two very different outcomes. This raises a question: are preventive health check-ups just another expense or a smart investment reducing your long-term medical costs.

Term

Should Term Plans Cover Loan EMIs Automatically?

Mehul Kashyap, a 38-year-old bank manager in Pune, had a simple ritual every month. Once his salary was credited into this account, a third of it went straight towards the EMIs for his home loan. For both Mehul and his wife, Shreya, this wasn’t just a financial sacrifice, rather a shared dream. They wanted to raise their children in a house that they could call their own. Everything was going fine until things changed last year when Mehul passed away in a car accident. Amid the emotional grief, Shreya also faced the daunting financial stress. With her salary, it would be impossible to sustain their livelihood and also pay the EMIs. Things became worse with bank reminders, and Shreya feared losing their beloved home. This is where term insurance could have made all the difference. If Mehul had coverage linked to automatic EMIs, the loans would have been better settled, giving Shreya some peace and stability in such a tough phase of her life.

Term

The Concept of “Joint Term Insurance” for Business Partners

The story of 35-year-old Rishi Dhandania and his wife, Kritika Dhandania, didn't simply start with their marriage. It started 5 years ago when they started a business together. What started as two friends opening a bakery shop soon turned into a chain of cafes across Indore. Rishi and Kritika have been working hard and have taken their business to a highly profitable level. While Kritika manages operations, Rishi handles the creative side and finances. One morning while sipping coffee on the balcony, Kritika asked Rishi a question, “How will you manage everything alone if something happens to me one day?” Though it was tough for Rishi to answer this, both of them knew it was an important question. Their income and family responsibilities were definitely co-dependent. Loss of any one of the partners can take a toll on the emotional and financial health of the other. It was when this business couple learned about joint term insurance. The very same day, Rishi purchased the policy to secure their financial future.

Jio Insurance Broking Ltd

Jio Insurance Broking Limited
IRDAI License No: 347,
Direct Broker (Life & General),
Valid upto: 11/03/2028
(Renewable)

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